| If you've just bought your first motorcycle, or are | | | | case you get into an accident caused by someone |
| thinking about getting one, the first thing you should | | | | who doesn't have insurance. Choosing to opt for |
| think about that riders often overlook is insurance. | | | | roadside assistance and towing costs could be |
| You can go through the company that already | | | | another idea, especially if you don't consider yourself |
| insures your car or you can find another that | | | | to be the best bike mechanic and you plan to take |
| specializes in motorcycle insurance. If you haven't | | | | long rides. |
| bought a motorcycle yet, remember that the type | | | | A lot of people get on a bike with a false sense of |
| of bike you buy affects how much insurance will cost | | | | confidence and very little training. Your insurance |
| you. Just like with your car, the neighborhood you | | | | company may offer up to a 10% discount for those |
| live in will also affect how much you pay for | | | | who enroll in a recommended riding course such as |
| insurance. How old you are and what kind of driving | | | | the Motorcycle Safety Foundation. You'll learn how to |
| record you have will also affect the price you pay | | | | avoid dangerous situations while riding no matter |
| for motorcycle insurance. | | | | what other motorists do around you on the road. |
| Unlike car insurance, motorcycle insurance works a | | | | If you want to get your motorcycle insured for the |
| little bit differently. You can have the insurance cover | | | | absolute lowest rate, buy a cruiser instead of a sport |
| the bike only and not the rider. Your other option is | | | | bike. Sport bikes usually have a rate surcharge for |
| to cover the bike and the rider. You can also choose | | | | the speed. Put your bike in a garage so it's protected |
| to add coverage for anyone you might be carrying | | | | from theft, vandalism, and accidents. That will also |
| on the back of your bike. You'll want coverage for | | | | lower the cost of your insurance premium. If your |
| property damage in case you cause damage to | | | | bike is going to be your only mode of transportation, |
| another vehicle or property. You're also going to | | | | expect to pay a lot more in insurance. If you're under |
| want to have bodily injury coverage in case you're at | | | | 25, you're also going to pay much more than |
| fault in an accident that injures another person. | | | | someone who is older. Another way you can save |
| You can obtain as much coverage as you desire, but | | | | money on insurance is if you live somewhere where |
| you should check with your state to see what the | | | | it snows. Then you can choose to lay-up your bike |
| legal minimum requirements for motorcycle insurance | | | | for the winter so that some coverage is suspended |
| are. Just like with car insurance, you can choose to | | | | during the winter months when you won't be riding |
| add uninsured motorist coverage to your policy in | | | | anyway. |